If you're looking at a debt service loan, 15% is the minimum for a purchase but it's much more common (and rates are better) at 20-25%. 

Their customer service was poor.  

We didn't pay full price, and the process isn't over. 

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Otherwise, you may need to replace a water service (13-15k), electrical service (10-15k) and upgrade wiring (This is a tough one, but maybe an additional 8-15k inside).

Ensure that the mortgage is assumable, and confirm that there are no due-on-sale clauses that could trigger the full loan balance. 

However, I wouldn't necessarily recommend full replacements of any or all of them. 

Full Disclosure I know Brandon.

Period, full-stop, no exceptions. 

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